Life in Utah demands a reliable car, whether you’re cruising the open roads or navigating bustling city streets. At Utah First Credit Union, we understand that everyone deserves the freedom and convenience of car ownership, regardless of their credit history. That’s why at Utah First, we offer auto loans for all credit types—even if you’ve been turned down at another bank or credit union. No matter your financial history, we want you to find a loan that’s right for you.
Building credit takes time, and unexpected situations can sometimes leave blemishes on your credit report. We understand. We work with borrowers of all credit backgrounds to find the perfect financing solution for their needs. Our loan specialists go the extra mile to find a loan that fits your budget and helps you build a stronger financial future.
Get auto loan approval 24/7 online or over the phone at (800) 234-0729. Knowing your borrowing power upfront empowers you during your car search and eliminates the stress of waiting for approval at the dealership.
Enjoy competitive auto loan rates tailored to your unique credit profile. Fixed rates ensure your monthly payment stays consistent, allowing you to budget with confidence. Members with a Personal Checking account instantly qualify for a loan rebate equivalent to 0.25% APR of your current balance. Your rebate will be deposited into your Personal Checking monthly. It’s that easy!
| Credit Grade | FICO Score | Up To 60 Months | 61-72 Months |
|---|---|---|---|
| A | 680+ | 6.99% | 7.25% |
| B | 640-679 | 8.24% | 8.50% |
| C | 600-639 | 11.24% | 11.50% |
| D | 550-599 | 15.24% | 15.50% |
| E | <549 | 18.00% | 18.00% |
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APR = Annual Percentage Rate. All rates subject to change without notice.
Annual Percentage Rate (APR) offered on approved credit for terms up to 96 months. APR listed is fixed rate. Term, credit score, and vehicle age may cause a change in rate. Not all members will qualify. Offer subject to change without notice, other terms and conditions may apply.
Enhance your car ownership experience with affordable GAP insurance and Payment Protection plans. GAP insurance helps bridge the gap between your car’s value and your loan amount in case of an accident, while Payment Protection safeguards your payments in case of unforeseen circumstances like job loss or illness. These additional plans offer peace of mind without breaking the bank.
Our secure online application lets you pre-apply for a loan anytime, anywhere. The process is quick and easy, allowing you to get started on your journey towards car ownership.
Our dedicated loan specialists are available to answer your questions, guide you through the loan application process, and help you find the perfect financing solution to fit your needs.
We prioritize your time. Once pre-approved, our team will walk you through a smooth and efficient loan closing process, ensuring a stress-free transition into car ownership.
Don’t wait! Kickstart your car buying journey with a pre-approval. Head to our secure online application and get pre-approved for an auto loan in minutes. [Call to Action Button: Apply Now]
Our friendly financial experts are here to help! Call us at (800) 234-0729 or visit your nearest Utah First Credit Union branch. We’re here to answer your questions and guide you toward the perfect auto loan for your needs.
At Utah First Credit Union, we’re committed to helping you achieve your financial goals. Our auto loan options ensure everyone has the opportunity to experience the freedom and convenience of car ownership. Find the right financial fit at Utah First and get a great rate that’s right for you – apply for your auto loan today!